Just for the record the studs can be removed with the rotors on, but you need to do a very tiny bit of grinding on the hub to accomplish it.
If you grind a half-moon in the hub (IIRC at about 7-8 o'clock on the passangers front for example) you can then just get the stud out past it.
I've had three studs break, and one stripped in the hub (fortunately the stud gave way rather than the other way around.
Anyway, the little grind method makes things go much quicker.
Regards, Alan
